{"id":28496,"date":"2023-10-21T10:41:34","date_gmt":"2023-10-21T10:41:34","guid":{"rendered":"https:\/\/isafespend.com\/personal-finance\/taxes\/untangling-the-hairy-situation-between-beauty-salons-restaurants-and-the-irs\/"},"modified":"2023-10-21T10:41:36","modified_gmt":"2023-10-21T10:41:36","slug":"untangling-the-hairy-situation-between-beauty-salons-restaurants-and-the-irs","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=28496","title":{"rendered":"Untangling The Hairy Situation Between Beauty Salons, Restaurants And The IRS."},"content":{"rendered":"
\n

Congress created a big incentive for restaurants and bars to report employees\u2019 tips, which can be good for workers, too\u2014even if many don\u2019t believe it. So why hasn\u2019t it done the same for the largely female-owned beauty industry?<\/strong><\/h2>\n

By <\/sup>Kelly Phillips Erb<\/sup>, Forbes Staff<\/sup><\/h3>\n

T<\/abbr>he holidays are coming and Paige Garland, co-owner of Rachel\u2019s Salon and Day Spa in downtown Memphis, is bracing for a tax hit. Along with springing for more of the salon\u2019s $72 event up-dos and $94 highlights, customers will also be giving more-generous-than-usual tips to their favorite stylists. As a matter of salon policy, those holiday tips will be rung up separately on Rachel\u2019s payment processing system with 100% going to the employee and all of it properly reported as income to the Internal Revenue Service on the stylists\u2019 W-2 forms.<\/p>\n

The problem for Garland is this: for every $100 in tips an employee collects, Rachel\u2019s owes the IRS $7.65 as the employer\u2019s share of Social Security and Medicare payroll taxes\u2014even though not a penny of that $100 tip goes to the salon, and even though under reporting of tips is widespread in the industry.<\/p>\n

If that sounds unfair to an honest salon owner like Garland, get this: If Rachel\u2019s were a restaurant serving cactus, instead of a salon and day spa that serves up $132 cactus fruit hydrating facials, the government would give it a tax credit to offset the full employer\u2019s share of payroll taxes. \u201cWelcome to the salon industry,\u201d she says.<\/p>\n

The tax problem\u2014and the disparity with restaurants\u2014has been around for decades. But the issue has gained new urgency for salon owners like Garland due to the lingering impact of the pandemic and the fintech-enabled, Covid-hastened shift from cash to credit cards and payment apps. Electronic payments make it trickier for salons or workers to grossly under report tips and assume they\u2019ll get away with it forever.<\/p>\n

Some salons that don\u2019t want to get stuck with the tax bill treat all those cutting hair, doing nails, or giving facials as 1099 independent contractors for tax purposes (even if legally they probably don\u2019t qualify as such). As contractors, the workers are responsible for reporting their own tips honestly (not so likely) and paying both the employee and employer\u2019s share of Social Security and Medicare\u2014a total of 15.3%.<\/p>\n

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Garland, a University of Memphis grad who began her career in the business side of the cosmetics industry (she still does special occasion makeup), admits that treating all the workers as W-2 employees was a tough sell when she first opened her business in 2014. Her pitch to potential employees: you can\u2019t get a mortgage or a car loan or even qualify to rent an apartment if your full income doesn\u2019t show up on your tax return.<\/p>\n

Before Covid, Rachel\u2019s Salon and Day Spa had grown to 13 employees, each with brimming client books of business. With many still working remotely, her downtown location hasn\u2019t rebounded completely\u2014the operation is back up to just six employees, only two of them holdovers from her pre-Covid days. Customers no longer carry cash, she notes, and sometimes want to tip workers via payment app Venmo. Garland has to remind those customers to “please tip on your card,” explaining why it’s important for salon workers to document proof of income. \u201cPaying in cash is not an alternative,\u201d she says.<\/p>\n

[Congress recently asked third party platforms like Venmo to step up their reporting to the IRS. The new requirement will likely begin in 2024.]<\/p>\n

O<\/abbr>utside of the nation\u2019s 2.2 million waiters and waitresses, the nearly 1.2 million American workers who provide hair and nail care, skin, spa and massage treatments receive more tips than any other group. And the beauty workers are gaining ground on restaurant workers. According to the Bureau of Labor Statistics the number of waiters will shrink 3% over the next decade, while employment will grow 8% in hair care, 9% in skin care, 9% for manicurists and 18% for massage therapy, provided in both spas and medical settings.<\/p>\n

A combination of reporting holes and varying tipping behavior\u2013it can change depending on where you live and the nature of services\u2013means that it\u2019s difficult to find reliable data on tips. A detailed Economic Policy Institute study from 2016 estimated <\/strong>that all workers earned $36.4 billion in tips\u2013around $28 billion of that estimate is attributable to full-service restaurants. The remaining $8 billion or so is earned by tipped workers outside of the restaurant industry, including salon workers.<\/p>\n

According to a survey by fintechs Tippy and Branch, 65% of salon and spa workers rely on tips for at least a quarter of their income, while 20% get half or more of their earnings from tips. These aren\u2019t generally high-income folks; BLS reports median earnings in 2022 ranged from $31,130 for manicurists to $33,400 for barbers and hair stylists to $38,000 for skin care specialists to almost $50,000 for massage therapists. (Those numbers are likely understated, due to underreporting of tips.) Still, at these modest income levels, workers generally owe more in Social Security and Medicare taxes than in federal income tax. So there\u2019s a real benefit for them to be considered employees, with the bosses picking up half the 15.3% payroll tax tab. Sure, the bosses might make them report more (or even all) of their tips, but that earns them a bigger Social Security benefit down the line.<\/p>\n

Until 1966, tips weren\u2019t subject to payroll taxes\u2014also known as Federal Insurance Contributions Act (FICA) taxes. That year, with the creation of Medicare, Congress changed the law to impose FICA taxes on tips, but just on the employee\u2019s side. It added some employer FICA taxes on tips in 1977 and in 1987 required employers to kick in FICA taxes on all tips. Restaurants and bars screamed bloody murder and started a lobbying push. They won a partial FICA tip credit in 1993 and what\u2019s known as the 45B credit has since been expanded to rebate the entire employer side of FICA taxes on tips. The instructions for claiming the 45B credit make clear it\u2019s only to cover tips to employers involved in \u201cproviding, delivering, or serving food or beverages for consumption.\u201d<\/p>\n

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The justification for the credit is that it\u2019s a matter of fairness for restaurants (assuming they\u2019re not keeping a cut of tips) and gives them an incentive to honestly report employees\u2019 tip income to the IRS. In its latest Tax Gap study, the IRS estimates that it gets 99% of what it\u2019s due on regular wages, where taxes are withheld and reported to both the IRS and the taxpayer on a W-2, but just 55% of what it’s owed on tips (the same percentage it figures it collects from self-employed sole proprietors).<\/p>\n

In fact, the IRS is so keen to get help on tip reporting from employers, that it\u2019s pushing a new service industry compliance initiative designed to simplify compliance for outlets that rely on a point-of-sales system and accept electronic payments for tips. The employer would calculate (and report to the IRS on a W-2) each worker\u2019s minimum tips by including all electronically paid tips and an estimate of cash tips on other sales. (The IRS concedes cash tips should be estimated at a lower average rate and that a \u201cstiffing\u201d discount must be applied, for those who don\u2019t tip at all.)<\/p>\n

N<\/abbr>ot all salon owners are on board with reporting tips. Some would just as soon look the other way and hope the understaffed IRS doesn\u2019t come calling.<\/p>\n

But a tax audit could be devastating for a salon, warns Maggie DiFalco, who owns two locations of Maggie The Salon, in Plantation and Pembroke Pines, Florida. DiFalco says that 90% of her business, including tips, is now conducted on credit or debit cards, and the salon aims to be totally paperless\u2014they text or email receipts. That\u2019s efficient, and customers like it, but it leaves a clear digital trail. She reports stylist tips and pays the tax. \u201cI don\u2019t want to go to federal prison, so this is what we do.\u201d<\/p>\n

DiFalco has been a salon owner for 29 years\u2013and it isn\u2019t her first job. Her college degree was in elementary education, but after the birth of her second child, she wanted more time at home. She started selling clothes, first from her garage and eventually in a separate space inside a salon. When the salon owner lost her lease, DiFalco jumped in and opened a new salon in the space. She was told that she wouldn\u2019t be able to succeed since she had no background in hair. But, \u201cbusiness is business,\u201d says DiFalco, sounding tired after a long day at work\/weekck. Today, she owns two salons, manages 34 employees and has consistently been named one of the top 200 salons in North America by Salon Today<\/em>.<\/p>\n

The industry has changed a great deal since the days when DiFalco\u2019s daughter, Jaclyn Gonzalez, then age 11, used to come to the salon to wash hair. Now 40, Gonzalez, a licensed stylist and cosmetologist, is hoping to take over the business. In the meantime, not a day passes that DiFalco doesn\u2019t worry about the future. A tip credit, she says, would allow salon owners like her to put more money back into the business, including for recruitment and education\u2013leading to more and better paying jobs for workers.<\/p>\n

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DiFalco, who now sits on the board of the salon-owner trade group, the Professional Beauty Association, has been lobbying for House and Senate bills that would extend the full 45B credit to salons and spas. (Appropriately, they\u2019re labeled H.R. 45 and S. 45.) Versions of the bill currently have 36 co-sponsors in the House and four co-sponsors in the Senate\u2014and support is bipartisan.<\/p>\n

As both industry lobbyists and bill sponsors point out, the predominantly woman owned industry, with a high percentage of both minority ownership and employment, simply isn\u2019t being treated equally with the restaurant business. “The playing field is not level,” says Kati Rapoza, the Government Affairs Manager at the PBA. She concedes the bill is only likely to find its way into law as part of a bigger tax package, but it presumably won\u2019t cost the government much, with the credit being offset by improved compliance.<\/p>\n

\u201cPeople think that people who don\u2019t report (tip) income are just dishonest. But a lot of time they\u2019re just confused,\u2019\u2019 says Frank Zona, a stylist who owns two beauty parlors and a barber shop in southeastern Massachusetts and is also backing H.R. 45. He\u2019s a third-generation salon owner\u2014- his immigrant grandfather owned a shop in Sicily and then in the Bay State. Zona treats all 41 of his workers (down from his pre-Covid roster of 70 workers) as employees though he is no fan of too much government. Several years ago he pushed for the loosening of cosmetology licensing requirements for those who want to take entry level jobs in salons. But Zona figures a 45B credit would give more salons an incentive to put people on the books, while allowing them to reinvest in their businesses and employees\u2014including by providing financial literacy tools. The lack of a verifiable financial history in the form of a W-2 can exacerbate existing gender and racial savings gaps, he argues.<\/p>\n

It’s a pattern that\u2019s familiar to David Tashjian, CEO of Tippy, a start-up that offers a stand-alone kiosk which allows customers to tip with a card at the counter. His mother-in-law spent her career as a stylist and educator at a salon in Pennsylvania, Lords & Ladies, where his brother-in-law later worked and came up with the idea for Tippy. Tashjian, a former Lazard managing partner (he specialized in distressed debt) turned tech entrepreneur, already had experience in the payments industry, so they built the platform together.<\/p>\n

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One of the investors in the new private venture? An owner of seven Pennsylvania salons who gave Tippy access to his 226 stylists to try out different variations. Tippy was literally designed and built \u201cin-industry,\u201d before formally launching in 2019, Tashjian says. Even pre-Covid, customers liked the credit card option, but it was a struggle to convince stylists to move from cash to plastic\u2014until they learned what studies and experience during Covid have shown: credit card tips tend to be bigger than cash tips.<\/p>\n

Last year, Tippy partnered with payments platform Branch to allow salon employees to quickly cash out tips using the Branch debit card, Apple Pay, Google Pay, or by transferring the tips to another account they have. In a recent survey by Tippy and Branch, 48% of beauty and wellness workers indicated they are more likely to save their digital tips than cash tips, but 82% still liked having immediate access to digital tips, saying it made them feel more financially secure.<\/p>\n

Even if the workers are sold, Tashjian admits he\u2019s still having trouble convincing some salon owners who don\u2019t want to create an electronic trail that would help the IRS to hold them accountable for the employer share of the payroll tax. They tell him,\u201c`As soon as you get the (45B) credit, call me.\u2019\u2019\u2019<\/p>\n

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<\/h4>\n

MORE FROM FORBES<\/strong><\/h4>\n<\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Congress created a big incentive for restaurants and bars to report employees\u2019 tips, which can be good for workers, too\u2014even if many don\u2019t believe it. So why hasn\u2019t it done the same for the largely female-owned beauty industry? By Kelly Phillips Erb, Forbes Staff The holidays are coming and Paige Garland, co-owner of Rachel\u2019s Salon<\/p>\n","protected":false},"author":1,"featured_media":28497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[56],"tags":[],"class_list":{"0":"post-28496","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-taxes"},"yoast_head":"\nUntangling The Hairy Situation Between Beauty Salons, Restaurants And The IRS. | iSafeSpend<\/title>\n<meta name=\"description\" content=\"Congress created a big incentive for restaurants and bars to report employees\u2019 tips, which can be good for workers, too\u2014even if many don\u2019t believe it. 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